impairment loss on loans, in line with our improved asset quality. Moreover, net interest income rose Baht 4,377 million or 4.65 percent, which was derived mainly from interest income from both loans and

before income tax expenses 620.1 652.3 (4.9) 906.7 (31.6) 1,272.4 1,608.7 (20.9) Net profits 509.6 532.3 (4.3) 729.3 (30.1) 1,041.9 1,293.6 (19.5) Earnings per share (Baht) 0.36 0.38 (5.3) 0.52 (30.8) 0.74

) 1,619.5 2,213.7 (26.8) Profits before income tax expenses 620.1 652.3 (4.9) 906.7 (31.6) 1,272.4 1,608.7 (20.9) Net profits 509.6 532.3 (4.3) 729.3 (30.1) 1,041.9 1,293.6 (19.5) Earnings per share (Baht

debts, doubtful accounts and impairment loss 140.0 192.1 (27.1) 200.0 (30.0) 487.2 805.0 (39.5) Income tax expenses 146.9 118.7 23.8 158.9 (7.6) 391.6 490.2 (20.1) Profits before bad debts and doubtful

(9.4) 2,752.6 3,367.3 (18.3) Profits before income tax expenses 817.6 735.2 11.2 857.3 (4.6) 2,265.4 2,562.3 (11.6) Net profits 670.7 616.5 8.8 698.4 (4.0) 1,873.8 2,072.1 (9.6) Earnings per share (Baht

same proportion in the investment value of secure loan and unsecure loan. The Company selection to purchase non-performing loans mainly considered the return on investment to create profits to

expense and income tax expense rose slightly, by Baht 78 million or 0.33 percent over-quarter, as a result of an increase of Baht 450 million or 2.90 percent in non-interest income, and an increase of Baht

increase came from net interest income which rose Baht 608 million, or 2.63 percent, due largely to interest income from repurchase agreement transactions. Net interest margin (NIM) was equal to 3.37 percent

the following details. Financial performance Statement of income Consolidated financial statements for the 9-month ended 30 September 2017 30 September 2018 Change (Reviewed/Restated) (Reviewed

previous quarter. The improvement could be attributed to net interest income which increased by Baht 326 million or 1.27 percent. Net interest margin (NIM) stood at 3.34 percent. Non-interest income also